NOTE 29 Gains or losses on fixed assets (in thousands of euro) 31/12/2025 31/12/2024 Gains on the disposal of property, plant and equipment and intangible assets 1 43 Losses on the disposal of property, plant and equipment and intangible assets -89 0 Gains on the disposal of long-term investments Allocations to and reversals of provisions for impairment of long-term investments Total -88 43 NOTE 30 Average headcount Staff category 31/12/2025 31/12/2024 Executives 328 320 Officers 52 59 Employees Total 380 379 NOTE 31 Encumbered assets CFM Indosuez monitors and manages the level of its pledged assets. The total encumbered assets ratio stood at 0% at 31 December 2025. We have not identified a source of pledged assets that meets the criteria defined by the executive order of 19 December 2014. Assets At 31/12/2025 (in millions of euros) Book value of encumbered assets Fair value of encumbered assets Book value of unencumbered assets Fair value of unencumbered assets Assets of the reporting institution 0.0 0.0 7,226 7,231 Capital instruments 0.0 0.0 0 0 Transactions with customers 0.0 0.0 3,598 3,588 Securities transactions 0.0 0.0 405 438 Other assets 0.0 0.0 3,223 3,206 Guarantees received At 31/12/2025 (in millions of euros) Fair value of encumbered guarantees received or encumbered own debt securities issued Fair value of collateral received or own debt securities issued available for encumbrance Collateral received from the reporting institution 0 0 NOTE 32 Net banking income by business sector and geographical area (in thousands of euro) 31/12/2025 31/12/2024 Wealth management Monaco 182,935 194,024 Net banking income 182,935 194,024 CFM Indosuez Wealth Management 164
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